COMP <GO>
ITUB vs PNC // RETURN ON INVESTED CAPITAL (ROIC)
Itau Unibanco Banco Holding SA American (NYSE) VS. PNC Financial Services Group Inc. (NYSE) • 15-METRIC TALLY: ITUB 6
— PNC 4
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: ITUB
LAST: $7.13 (-3.26%) • MKT CAP: $81.27B
roic
9.90%
LAST: $227.86 (-1.71%) • MKT CAP: $90.90B
roic
1.20%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ITUB VS. PNC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ITUB | PNC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 9.90% | 1.20% | +8.70 | ITUB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.0x | 58.3x | -37.30 | ITUB | /valuation <GO> |
| Free Cash Flow Yield | 2.21% | 3.62% | -1.41 | PNC | /fcf-yield <GO> |
| Operating Margin | 13.90% | 13.90% | 0.00 | TIE | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 10.90% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | 7.20% | +0.50 | ITUB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.85% | -2.85 | PNC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | ITUB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 28.1 | 52.4 | -24.26 | PNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.89 | +0.07 | ITUB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 30.5x | 34.2x | -3.70 | ITUB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $81.27B | $90.90B | -$9.64B | PNC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ITUB REV | PNC REV | ITUB GROSS % | PNC GROSS % | ITUB FCF | PNC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $23.10B | — | — | — | $3.34B |
| FY 2024 | — | $21.55B | — | — | — | $6.91B |
| FY 2023 | — | $21.49B | — | — | — | $9.14B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ITUB // BETA 0.96
PNC // BETA 0.89